Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1987 |
Head of Institution | Julio Cesar Miranda Franco |
Regions active | 0 |
# Branches | 3 |
Total Portfolio (nat'l) | BOB 86,907,157.32 |
Total Portfolio (USD) | USD 12,687,176.25 |
Active clients with loans | 9,606 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://adjesum.multiply.com/ |
Year established | 1997 |
Head of Institution | Sr. Bernadette R. Dollete, CSJ |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | PhP 76,253,793 |
Total Portfolio (USD) | USD 1,824,253.42 |
Active clients with loans | 9,525 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | People's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment |
Funders | Catholic Relief Services |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | USD 50 - 3,000 | 3 - 48 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Asociativo | USD 50 - 2,000 | 12 - 36 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Ser mienbro de una asociación | Credit Ins | |||||||
Independiente | USD 50 - 15,000 | 3 - 48 | 60% - 80% | 80% - 100% | Business, en caso de que la casa sea parte del negocio, En educación en caso que esta aumente la capacidad | Women, Men, Have business | Credit Ins | |||||||
Linea Agil | USD 500 - 15,000 | 4 - 48 | 40% - 60% | 80% - 100% | Business, el uso del dinero en la casa en caso que este sea | Women, Men, Have business | Credit Ins | |||||||
Oportuno | USD 100 - 2,000 | 3 - 18 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
Temporada | USD 50 - 400 | 1 - 4 | 80% - 100% | 80% - 100% | Any Purpose | Women, Men, Have business, tambien se aplica a personas asalariadas | Credit Ins | |||||||
Transporte | USD 500 - 16,000 | 6 - 48 | 20% - 40% | 60% - 80% | Business | Women, Men | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Acquisition - Land | PHP 40,000 - 70,000 | 36 | 80% - 100% | 20% - 40% | Housing | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Educational Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 0% - 20% | Education | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Grameen I or Regular Loan | PHP 3,000 - 60,000 | 6 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
House Repair Loan | PHP 3,000 - 5,000 | 6 | 80% - 100% | 20% - 40% | Housing | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Micro-Agri Loan | PHP 5,000 - 70,000 | 6 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits | |||||||
Multi Purpose Loan | PHP 5,000 - 15,000 | 6 - 12 | 80% - 100% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Asociativo | 18.0%-20.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Independiente | 20.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Linea Agil | 20.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Oportuno | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Temporada | 32.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Transporte | 18.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Acquisition - Land | 10.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 73.8% | 78.7% | 13 | ||||||||
Educational Loan | 0.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 12.3% | 125% | 0 | ||||||||
Grameen I or Regular Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | 1.00% loan amt | 5.0% upfront 8.00-20.00 ongoing | 73.8% - 81.8% | 87% - 224% | 31 | ||||||||
House Repair Loan | 12.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 23.6% | 174.9% | 7 | ||||||||
Micro-Agri Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.9% - 43.7% | 44.4% - 56.4% | 74 | ||||||||
Multi Purpose Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 20.00 ongoing | 73.8% | 102.6% - 139.1% | 30 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Asociativo | 18.0%-20.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Independiente | 20.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Linea Agil | 20.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Oportuno | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Temporada | 32.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Transporte | 18.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asset Acquisition - Land | 10.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 73.8% | 78.7% | 13 | ||||||||
Educational Loan | 0.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 12.3% | 125% | 0 | ||||||||
Grameen I or Regular Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | 1.00% loan amt | 5.0% upfront 8.00-20.00 ongoing | 73.8% - 81.8% | 87% - 224% | 31 | ||||||||
House Repair Loan | 12.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 23.6% | 174.9% | 7 | ||||||||
Micro-Agri Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.9% - 43.7% | 44.4% - 56.4% | 74 | ||||||||
Multi Purpose Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 20.00 ongoing | 73.8% | 102.6% - 139.1% | 30 |
Key Statistics | |
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# Products | |
# Institutions | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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